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PraiseBeToScience 1 point ago +1 / -0

What do I even need to go about this? Am I going to need to front fora new down payment? I keep getting IRRRL shit and I'm just lost.

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white_redoubt 1 point ago +1 / -0

Go to a bank and tell them you want to refinance. You won't need a down payment unless you want to pay the loan fees instead of rolling them into the mortgage, or if you want lower payments.